A health plan is a group or individual plan that provides for or pays for medical care. One insurance company generally offers many different types of plans. For instance, an insurance company like Aetna, Blue Cross, Cigna, Kaiser, or United might offer plans with different levels of access to health care providers, such as an HMO or PPO. They may offer plans with different levels of coverage, which may be represented by terms such as bronze, silver or gold-level plans. Sometimes the plans are given names to distinguish them from one another, like “Access” or “Advantage.” It’s important to understand the terms health insurers use to describe their plans, and what that means for your coverage.